Trabajo Compartamos Financiera

January 26, 2023 | Author: Anonymous | Category: N/A
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[BMUKXSMDFD BFCMABFO DK ZM[XF EFC[OTFD DK CMKBCMFS FDIMBMSTXFTMUFS

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CAIZFXTFIA CAIZFXTFIAS S EMBFBCMKXF S.F

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LFXMBF EFHMAOF CFSTXA ZKÖF



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 FBCF@MIF CNFUKP XFIAS. XFIAS.

EKXBFBDA FG[MXXK EFXEFB

C[XSA0  

 FDIMBMSTXFCMAB  FDIMBMSTXFCM AB S[ZKXMAX

 

MBTXAD[CCMÓB

Kb kstk trfhf`a dk mbvkstmgfcmób vfias f cabackr ub paca iæs dk ckrcf f Caipfrtfias Embfbcmkrf S.F, quk caia tadas yf sfhkias quk atargf prístfias dk ifbkrf grupfo (6: iu`krks) k mbdmvmdufo, ks iuy dmstmbta atrfs embfbcmkrfs parquk trfhf`f dk atrf iktadaoagéf mbcouyk f comkbtks quk nfb qukdfda ifo cfomemcfdfs kb ko smstkif qumzæ par of ifof kxpkrmkbcmf kxpkrm kbcmf quk nfyfb tkbmda kb ksk iaikbta, ko cufo sk ok df ubf bukvf apart apartubmdf ubmdfd df kstfs pkrsabfs, pkra tfihmíb kb dmcna grupa nfy pkrsabfs quk kstæb hmkb cfomemcfdfs kb ko smstkif embfbcmkra. Kb of prmikrf pfrtk sk cabackræ of dkscrmpcmób gkbkrfo dk Caipfrtfias Embfbcmkrf S.F, caia of rfzób sacmfo sacmfo,, baihr baihrk k caik caikrcmfo rcmfo,, skcta skctarr kcabó kcabóimca, imca, ruhra fo quk pkrtkbkck, tmpa dk kiprksf y cuæbta tmkipa ookvf apkrfbda kb ko ikrcfda pkrufba. Caia skgubdf pfrtk sk dkscrmhmræ ko dmfgbóstmca dko pracksa fdimbmstrftmva caia of pofbkfcmób, argfbmzfcmób, dmrkccmób y cabtrao y rkspabsfhmomdfd sacmfo caia ko, Fpaya f of Caiubm Cai ubmdfd dfd Xks Xkspab pabsfh sfhmom momdfd dfd Sac Sacmfo mfo (Zr (Zrayk aykcta ctas), s), Fhr Fhrfzf fzfbda bda cab Huk Hukbfs bfs Fcc Fccmab mabks, ks, Caokctf Iavmimkbta Fiar kb Fccmób y Zraykcta dk Xkeukrza Kscaofr (fomfbzf cab ABG Lfbtfyf). ] caia pfrtk embfo sk dkscrmhmræ ubf sébtksms dk prahokifs f rksaovkr kb Caipfrtfias Embfbcmkrf S.F.

 

ZFXTK M0 DKSCXMZCMÓB GKBKXFO DK OF KIZXKSF Baihrk / Xfzób Sacmfo 

Baihrk Caikrcmfo0 CAIZFXTFIAS EMBFBCMKXF



Xfzób Sacmfo0 CAIZFXTFIAS EMBFBCMKXF S.F.



X[C0 8:35=6;;35:

Skctar y Suh skctar kcabóimca fo quk pkrtkbkck. Zkrtkbkck fo Skctar Embfbcmkra dk ofs Imcraembfbzfs

Xuhra fo quk sk dkdmcf. Caipfrtfias Embfbcmkrf ks ubf mbstmtucmób pkrufbf dk skrvmcmas embfbcmkras quk ks pfrtk dk Gkbtkrf, grupa kiprksfrmfo ikxmcfba. Atargfb crídmtas f pkquköas kiprksfrmas, pfrf ftkbdkr bkcksmdfdks dk cfpmtfo dk trfhf`a, dk mbvkrsmób, cabsuia cab iktadaoagéfs dk crídmta mbdmvmdufo y grupfo. Fdkiæs, aerkckb skrvmcmas dk fnarra y skguras caia aekrtf caipokikbtfrmf f sus comkbtks.

Tmpa dk Kiprksf0 Tfiföa, earif `urédmcf, ktc. Ks ubf kiprksf dk Sacmkdfd Fbóbmif, ks ubf grfb kiprksf yf quk pkrtkbkck fo grupa Gkbtkrf.

Tmkipa quk ookvf kb ko ikrcfda. Of kiprksf bfck kb 6==8, f trfvís dk of ABG Nfhmtft Frkqumpf Smgoa ^^M. [b grupa dk kiprksfrmas frkqumpköas quk mipuosfrab ub praykcta cuya ah`ktmva krf efcmomtfr vmvmkbdfs dmgbfs f grupas dk pkrufbas, prmbcmpfoikbtk imgrfbtks dk kscfsas rkcursas, cab ko emb dk focfbzfr ik`arfs rkfoks kb su cfomdfd dk vmdf. Sk cabstmtuyó kb of cmudfd dk Frkqumpf ikdmfbtk Kscrmturf Zðhomcf dko ; dk bavmkihrk dk 6==7, atargfdf fbtk ko Batfrma Dr. @fvmkr @fv mkr Xad Xadrég régukz ukz Uko Ukofrd frdk, k, hf`a hf`a of dkb dkbaim aimbfc bfcmób mób dk ‟Kd ‟Kdpyi pyik k Crídmt Crídmtas as dk Foc Focfbc fbck k Xkgmabfo Frkqumpf S.F.’, tmkbk iæs dk 8> föas kb ko ikrcfda pkrufba.

Iatmvas dko Grupa pfrf kokgmr kstf kiprksf. Sk komgmó kstf kiprksf pfrf cabackr iæs f dktfook ko eubcmabfimkbta y of apkrfomzfcmób dk ubf embfbcmkrf y dktkrimbfr ofs efokbcmfs quk tmkbk pfrf prapabkr prapukstfs dk ik`arf.

 

ZFXTK MM0 DMFGBASTMC DMFGBASTMCA A DKO ZXACKSA FDIMBMSTXFT FDIMBMSTXFTMUA MUA Zofbkfcmób0 6. Fb Fbæom æomsms sms d dkk vms vmsmób mób,, Ims Imsmób mób y vf vfoar oarks ks

 

Imsmób0 Mipu Mipuos osfi fias as oas oas sukö suköas as dk buks bukstr tras as comk comkbt btks ks ft ftkb kbdm dmkb kbda da su suss bkcksmdfdks embfbcmkrfs cab skbtmda nuifba.

Umsmób0 Skr oédkrks kb skrvmcmas embfbcmkras kb Zkrð, aerkcmkbda skrvmcmas dk fnarra, crídmta, skguras y skrvmcmas dk pfga.

 

Ufoarks0 Su iéstmcf ks of vmvkbcmf dk skms vfoarks quk cabduckb dk ifbkrf ítmcf f su prapósmta0

6. Zkrsabf0 -Ks ko ckbtra dk bukstras vfoarks puks rkcabackias su dmgbmdfd y vfoar prapma< of kbtkbdkias caia ub emb y bubcf caia ub ikdma.

8. Skrvmcma0 -Umvmias kstk vfoar dfbda oa ik`ar dk basatras pfrf gkbkrfr  ko ifyar hmkb pasmhok. Cuip ipomomia iass bu buks kstr trf f pfof pfofhr hrf f y fs fsui uimi mias as of ofss 3. Xkspabsfhmomdfd0 - Cu cabskcukbcmfs dk bukstrfs fccmabks.

4. Zfsmób0 - Fifias tada oa quk nfckias. ;. Tr Trfh fhf` f`a a kkb b kkqu qump mpa0 a0 - Caofharfias cab tadas pfrf oagrfr iæs. Nfck ckia iass iæ iæss ca cab b ikba ikbas, s, sa saia iass pr prad aduc uctmtmva vass y 5. Xkbtfhmomdfd0 - Nf kemcmkbtks pfrf skrvmrtk ik`ar.

CÓDMGA DK ÍTMCF 

Cuipomr cab nabkstmdfd, rkspkta, rkspabsfhmomdfd y cuipomimkbta dk oas fcukrdas par of kiprksf.



Gkbkrfr cabemfbzf y trfbspfrkbcmf fo comkbtk.



Cuipomimkbta dk ofs okyks quk sk rmgkb kb ko smstkif embfbcmkra bfcmabfo.



Ko rkspkta dk of pratkccmób dk of mbtkgrmdfd y skgurmdfd dk of mbearifcmób dk oas trfhf`fdarks y dk oas comkbtks.



Trftfr cab praeksmabfomsia f tadas oas comkbtks dk of kiprksf.

 



Xkspktfr oas caipraimsas dk ofs kiprksfs kb of fctmvmdfd caikrcmfo.

8. Fb Fbæom æomsms sms dk A Ah` h`ktm ktmvas vas y Ik Iktfs tfs Ah`ktmvas kiprksfrmfoks Dk fcukrda f oa puhomcfda kb of pægmbf wkh dk Caipfrtfias Embfbcmkrf oas ah`ktmvas dk of kiprksf sk dmvmdkb kb 3 æihmtas0 Kb ko æihmta Sacmfo0 Crkckr pfrf atargfr apartubmdfdks dk mbcousmób f grfb 

bðikra dk pkrsabfs kb ko carta pofza y caipfrtmr oas hkbkemcmas cab ofs caiubmdfdks dabdk dksfrraoofias bukstrf fctmvmdfd kcabóimcf. 

Cabstrumr umr iad iadkoa koass cai caikrc krcmfo mfoks ks mbb mbbavf avfdar darks, ks, Kb ko æi æihm hmta ta Kc Kcab abói óimc mca a0 Cabstr kemc kemcmk mkbt btks ks y quk quk gk gkbk bkrk rkb b rk rkbt btfh fhmomomd mdfd fd,, pf pfrf rf qu quk k ta tada dass pu pukd kdfb fb rk rksu suototfr  fr  hkbkemcmfrmas.



Kb ko æihm æihmta ta Nuif Nuifba0 ba0 Cabemfr kb ofs pkrsabfs, kb sus dkskas dk crkckr y futarrkfomzfrsk, pfrf ik`arfr y cab ko dkhmda cabacmimkbta embfbcmkra utmomzfr  oas skrvmcmas rkofcmabfdas f ofs embfbzfs, pfrf su prapma hkbkemcma.

Caipfr Cai pfrtfi tfias as Emb Embfbc fbcmkr mkrf f tmkbk tmkbk cai caia a ah` ah`ktm ktmva va pfr pfrtmc tmcmpf mpfrr kb ko prac pracksa ksa dk mbc mbcous ousmób mób embfbcmkrf, ikdmfbtk ko atargfimkbta dk crídmtas f pkquköas y f imcra kiprksfrmas, mipuosfdas f trfvís dk das oébkfs dk bkgacma0 Crídmta Grupfo y Crídmta Mbdmvmdufo. Oas prmbcmpfoks praductas crkdmtmcmas quk aerkck of Embfbcmkrf sab0 (m) (m)

Críd Crídmtmtas as p pfrf frf pkqu pkqukö köf f ki kipr prks ksf fyp pfr frf f im imcr crak akip iprk rksf sf,, dkst dkstmb mbfd fdas as f emb embfb fbcm cmfr  fr  cfpm cfpmtf tfoo dk tr trfh fhf` f`a a k mbvk mbvkrs rsmó mób, b, caip caiprf rf y/ y/a a ik`a ik`arf rf dk hm hmkb kbks ks iu iukh khok okss (ifqumbfrmfs, kqumpas, vknécuoas, iahmomfrma)<

(mm) (mm)

Críd Crídmtmtas as dk ca cabs bsui uia, a, dm dmrm rmgm gmda dass f tr trfh fhf` f`fd fdar arks ks dkpk dkpkbd bdmkb mkbtk tkss k mbdk mbdkpk pkbdm bdmkb kbtk tks< s< y

(mmm (mmm))

Críd Crídmtmtas as gru grupf pfok okss f tr trfv fvís ís dko Cr Críd ídmtmta a ‟S ‟Sðp ðpkr kr Iu` Iu`kr kr’, ’, prad praduc ucta ta oédkr oédkr dk of Embfbcmkrf. Dmrmgmda f grupas cabearifdas par 6: iu`krks caia iébmia, kb dabdk sk hrmbdf of pasmhmomdfd dk fcckdkr f ub crídmta mbdmvmdufo, fsé caia, f ubf cfpfcmtfcmób kb kducfcmób embfbcmkrf, cabtrmhuykbda f of dmsimbucmób dk oas rmksgas fsacmfdas.

Iktfs Ofs iktfs cfdf föa sab iæs fihmcmasfs sk tmkbk caia0

 



Ko crkcmimkbta dk cfrtkrf0   f bmvko bfcmabfo nfy ubf iktf ksa sk rkemkrk f bðikras, par k`kipoa, kb of aemcmbf Cnuoucfbfs dk ub imooób dk saoks sk kspkrf ookgfr f acna imooabks dk cfrtkrf.



Crkcmimkbta dk comkbtks0 tadas oas iksks nfy comkbtks quk tkrimbfb dk cfbckofr  y yf ba rkqumkrkb vaovkr f fdqumrmr atra prístfia, pkra fsé tfihmíb kbtrfb bukvas



comkbtks y dk ksf ifbkrf ba sk pmkrdk ko crkcmimkbta dk comkbtks. Iktf dk skguras0 caoacfr ko >:% dk skguras, ks dkcmr dk oas 6:: crídmtas quk sk atargfb ko >:% quk sk fsmgbkb cab skgura.

3. Fbæo Fbæomsms msms dk p paoét aoétmcfs mcfs y Zr Zrackdm ackdmimkb imkbtas. tas. Zaoétmcfs dk Cfpfcmtfcmób Caipfrtfias Embfbcmkrf kstmiuof of pfrtmcmpfcmób dk tada su pkrsabfo kb cursas dk cfpfcmtfcmób, cab ko ah`kta dko crkcmimkbta pkrsabfo y praeksmabfo dk sus trfhf`fdarks, quk rkdubdk kb oas rksuotfdas dk of kiprksf. Kxmstkb das tmpas dk Cfpfcmtfcmób0 Mbtkrbf y Kxtkrbf. Ko Dkpfrtfikbta dk Zkrsabfs dkhkræ cabtraofr of fsmstkbcmf dko pkrsabfo f oas 

cursas cur sas dk cfp cfpfcm fcmtfc tfcmób mób mbt mbtkrb krbas as (ft (ftrfv rfvks ks dk poftfe poftfeari arif f FDB FDB), ), pud pudmkb mkbda da kstk kstk sfbcmabfr sfbcm abfr fo trfhf` trfhf`fdar fdar kb cfsa dk mbcui mbcuipomim pomimkbta. kbta. Skgðb earifta dk Cabtr Cabtrao ao dk  Fsmstkbcmf.

Eukbtk0 Zoftfearif FDB 

Zfrf skr hkbkemcmfrma dk of cfpfcmtfcmób kxtkrbf f mbmcmftmvf dko trfhf`fdar a quk kstk dkbtra dko pofb dk cfpfcmtfcmób fprahfda par ko Dkpfrtfikbta dk Zkrsabfs, ko trfhf`fdar dkhkræ tkbkr par oa ikbas 5 iksks dk fbtmgÿkdfd kb of kiprksf. Kb

 

ko cfsa dk oas cursas dk past grfda, ko pkrmada ks dk 8 föas (kbtmíbdfsk cursas dk past grfda ifkstréfs y dactarfdas). 

Of kiprksf fsuik ko 6::% dko casta dk ofs cfpfcmtfcmabks kxtkrbfs quk kstíb kb cabtki cab tkipof pofdfs dfs kb ko Zof Zofb b Fbu Fbufo fo dk Cfp Cfpfcm fcmtfc tfcmób mób,, ko cuf cufoo dkh dkhkræ kræ kbc kbcabt abtrfr rfrsk sk dkhmdfikbtk prksupukstfda. Sm kstf sk rkfomzfræ eukrf dk of oacfomdfd, of kiprksf



embfbcmfræ oas gfstas dk vmf`k 6::%. Kb ko cfsa quk of cfpfcmtfcmób skf par mbmcmftmvf dko kipokfda ko iabta iæxmia embfbcmfhok ks dk ;:% tfbta dko casta dko cursa caia dk oas gfstas dko vmf`k quk sk pudmkrfb gkbkrfr. Ko iabta f embfbcmfr oa kstfhokckræ ko `kek dk pkrsabfs y skræ fprahfda par ko Gkrkbtk dk Dmvmsmób rkspkctmvf. (kb of fctufomdfd ba sk df ksta cfsa par iatmva dk of cayubturf sacmfo).

Zrackdmimkbtas fpomcfrsk pfrf of Cfpfcmtfcmób0 Mbtkrbf y Kxtkrbf Cfpfcmtfcmób Mbtkrbf0 



Ko @kek dk Dksfrraooa dk Tfokbta kstfhokckræ ub oéimtk iæxmia dk narfs dk cfpfcmtfcmób mbtkrbf. Zfrf ko cfsa dk ofs cfpfcmtfcmabks mbtkrbfs dmrmgmdfs f fgkbcmfs ba sk padræ cfpfcmtfr, smiuotæbkfikbtk, fo `kek dk Apkrfcmabks y f ub fsksar.



 F pfrtmr dko 8: dk cfdf iks, ba sk padræ dmctfr cfpfcmtfcmabks mbtkrbfs fo ærkf dk bkgacmas. Dkbtra dk of prmikrf skifbf dko iks, ba sk padræ cfpfcmtfr fo ærkf dk Apkrfcmabks.

Cfpfcmtfcmób Kxtkrbf0 Oas trfhf`fdarks quk rkcmhfb cfpfcmtfcmób kxtkrbf embfbcmfdf par of kiprksf u atrf eukbtk dk embf embfbc bcmf mfim imkb kbta ta gkst gkstma mabf bfdf df par par CA CAIZ IZFX FXTF TFIA IAS S EM EMBF BFBC BCMK MKXF XF S.F. S.F. tmkb tmkbkb kb ko caipraimsa dk0 

6::% dk fsmstkbcmf.



Kbtrkg Kbt rkgfr fr rkt rktrafo rafomik mikbtf btfcmó cmób b dk of cfp cfpfcm fcmtfc tfcmób mób fsm fsmstm stmdf df of imsif imsif quk skræ skræ kbvmfdf fo Dkpfrtfikbta dk Zkrsabfs skgðb kbcukstf dko cursa /mbstructar.



Kbtrkgfr capmf dko iftkrmfo kbtrkgfda kb of cfpfcmtfcmób fo Dkpfrtfikbta dk Zkrsabfs. Fprahfr ko cursa (cufbda skf fpomcfhok).





 Fpomcfr y dkspokgfr oa fprkbdmda. Zrkskbtfr ko caiprahfbtk carrkspabdmkbtk f of cfpfcmtfcmób fsmstmdf kb ub pofza ba ifyar f 6: défs cfokbdfrma ubf vkz cfbckofda ko cursa.

 

Zaoétmcf dk Caiubmcfcmabks Of prksk prkskbtk btk paoétmcf tmkbk caia ah`ktmva ko kstfh kstfhokckr okckr oas ikcfbm ikcfbmsias sias dk caiub caiubmcfcm mcfcmób ób quk sk dkhkb ifbk`fr dkbtra dk of kiprksf cab of embfomdfd dk quk kstf pukdf trfbsimtmr  fdkcufdfikbtk ofs dkcmsmabks, dmspasmcmabks, ktc. F oas trfhf`fdarks, fsé caia efcmomtfr of caiubmcfcmób kbtrk oas imsias. 

Of @ubtf Gkbkrfo dk Fccmabmstfs y ko Dmrkctarma cufbda taikb dkcmsmabks quk mbvaoucrfb mbvao ucrfb fspkctas apkrftm apkrftmvas, vas, dkhkræb caiubmcfr f trfví trfvíss dk su skcrk skcrktfrma tfrma,, dmcnfs dkcmsmabks f of Gkrkbcmf Gkbkrfo, pfrf quk, f su vkz, kstf trfbsimtf fo ærkf carrkspabdmkbtk pfrf su fdkcufdf mipokikbtfcmób a cuipomimkbta.



Oas trf trfhf` hf`fda fdarks rks dkh dkhkræ kræb b smk smkipr iprk k cai caiubm ubmcfr cfr f su `ke `kek k mbi mbikdm kdmfta fta tad tadas as oas fspkctas rkofcmabfdas f su ofhar quk fsé oa rkqumkrfb y caardmbfr cab kstk sm eukrf bkcksfrma of bkcksmdfd dk fcckdkr f ubf mbstfbcmf supkrmar pfrf rksaovkr oa quk skf bkcksfrma.

Ikdmas f kipokfrsk pfrf of caiubmcfcmób kbtrk oas dmekrkbtks dkpfrtfikbtas dk of kiprksf0 

Ko carrka kokctróbmca ks ubf nkrrfimkbtf kemcmkbtk y præctmcf pfrf of caiubmcfcmób, par oa tfbta, ofs Gkrkbcmfs, @kefturfs y Fdimbmstrfdarks dkhkræb usfroa caia ikdma aemcmfo f pfrtmr dk of ekcnf. Ofs caiubmcfcmabks dk cfræctkr earifo quk kifbkb dk oas atras bmvkoks dkhkræb rkfomzfrsk dk ifbkrf kscrmtf.

Zrackdmimkbtas fpomcfrsk pfrf of caiubmcfcmób kb of kiprksf0 

Tadfs ofs Gkrkbcmfs y @kefturfs kstfræb kb of ahomgfcmób dk cabsuotfr su carrka kokctróbmca tadas oas défs f ofs =.:: fi tadf caiubmcfcmób quk skf rkimtmdf cab pastkrmarmdfd f ksf narf sk kbtkbdkræ quk skræ rkvmsfdf fo déf smgumkbtk f ofs =.:: f.i.



Zfrf Zf rf ko cfsa cfsa kb quk quk of caiu caiubm bmcf cfcm cmób ób sk skf f ca cabs bsmd mdkrf krfdf df ca caia ia pr prma marm rmtf tfrm rmf, f, ko rkimtkbtk dkhkræ caiubmcfrsk tkokeóbmcfikbtk cab ko rkimtmda pfrf mbdmcfrok dk dmcnf caiubmcfcmób, dkhmkbda kb kstk cfsa saomcmtfr quk of rkckpcmób dko carrka skf cabemrifdf véf kifmo.

 

 

Kb ko supuksta cfsa quk sk praduzcfb smtufcmabks quk armgmbkb prahokifs, ko carrka car rka kok kokctr ctróbm óbmca ca skr skræ æ utm utmomz omzfda fda cai caia a ikd ikdma ma pra prahft hftarm arma a pfrf pfrf dktkri dktkrimbf mbfrr of rkspabsfhmomdfd a bkgomgkbcmf quk carrkspabdf.

 

 

Argfbmzfcmób0

6. Argf Argfbm bmgr grfi fiff @[BTF DKSA CMAS

DMXKCTAXMA CAIMTÍDK F[DMTAXMF

CAIMTÍDK XMKSGAS

GKXKBCMFDK XMKSGAS

F[DMTAXMF

AEMCMFOÉFDK C[IZOMIMKBTA XMKSGABA EMBFBCMKXA EMBFBCMKXA

AEMCMFOÉFDK C[IZOMIMKBTA  BAXIFTMUA

XMKSGA EMBFBCMKXA

GKSTMÓB MBTKGXFODK XMKSGAS DKXMKSGAS

GKXKBCMF G KBKXFO

SKCXKTFXMF

FSKSAXMF O KGFO

AEMCMFOÉFDKSKG[XMDFD DKOF MBEAXIFCMÓB MBEAXIFCMÓB

AEMCMFOÉFDK FTKBCMÓB FO [S[FXMA

FBFOMSTFDKKSTXFTKGMF KSTXFTKGMF

GKXKBCMFCKBTXFODK TKCBAOA GÉF DKOF MBEAXIFCMÓB

GKXKBCMF CKBTXFO DK FDIMBMSTXFCMÓ B ] AZK XFCMABKS

GKXKBCMFCKBTXFODK XKC[XSASN[IFBAS

GKXKBCMFDK EMBFBPFS EMBFBPFS

KBTXKGFDK SKXUMCMA

SAZAXTKFO  BKGACMA  BKGACMA

GKXKBCMF DK ZKXSABFS ZKXSABFS

EMBFBPFS ] TKSAXKXÉF

 BAXIFOMPFCMÓB

DKSFXXAOOA DKO TFOKBTA TFOKBTA

CABTFHMO MDFD, MIZ[KSTAS] ZXKS[Z[KSTA

FDIMBMSTXFCMÓB

FDIMBMSTXFCMÓBDK ZKXSABFO ZKXSABFO

GKXKBCMFCKBTXFODK  BKGACMAS

GKXKBCMF DK EMOASAEMF EMOA SAEÉF

EMOASAEÉF

GKXKBCMF DMUMSMABFO DMUMSMABFO

GKXKBCMFDK EAXIFCMÓB EAXIF CMÓB

GKXKBCMFDMUMSMABFODK ZKV[KÖFKIZXKSF

GKXKBCMF DK ZOFBKFIMKBTADK BKGACMA

GKXKBCMF TKXXMTAXMFO DKCXÍDMTAGX[ZFO

FGKBCMFS FSKG[XFIMKBTADK CFOMDFD DKSAETWFXK AZKXFCMABKS

XKZXKSKBTFBTKS DK ZKXSABFS DKZKXSABFS

GKXKBCMFDMUMSMABFODK IADKOADKBKGACMA

ZXAD[CTADKCXKDMTA GX[ZFO CXÍDMTAGX[Z FO

ZXAD[CTADKCXKDMTA MBDMUMD[FO CXÍDMTAMBDMUMD[FO

ZXAD[CTADK SKG[XAS GKXKBCMFTKXXMTAXMFODK CXÍDMTAMBDMUMD[FO

DKSFXXAOOA

FNAXXAS IFXLKTMBG FGKBCMFS

SAO[CMÓBDK  BKGACMAS  BKGACMAS

FBFOMSMS DK ZXAD[CTA ZXAD[CTA

GKSTMÓBDK ZXACKSAS ZXACKSAS

Eukbtk0 Caipfrtfias Embfbcmkrf

 

 

8. Dkscr Dkscrmpcmó mpcmób bd dkk rk rkspab spabsfhmo sfhmomdfd mdfdks ks y puks pukstas. tas. Ofs Fgkbcmfs dk Caipfrtfias Embfbcmkrf kstæb dmvmdmdfs kb das ærkfs0 

Ærkf dk Crídmtas 

Ko ærkf dk crídmtas trfhf`f kb earif cab`ubtf cab kb ko ærkf dk apkrfcmabks. Kb koof sk kbcukbtrf ko Gkrkbtk Xkgmabfo, Gkrkbtk Dmvmsmabfo, Gkrkbtk dk Fgkbcmf a suhgkrkbtk, @kek dk Crídmta, fsksar dk Crídmta grupfo,

Ko ærkf dk crídmtas dkhk focfbzfr oas smgumkbtks ah`ktmvas gkbkrfoks0  

Vuk of cfptfcmób dk crídmtas dk of mbstmtucmób embfbcmkrf sk ifbtkbgf kb bmvkoks fdkcufdas quk ok pkrimtfb ubf hukbf rkbtfhmomdfd f of kiprksf.



Zraiav Zra iavkr kr ko dks dksfrr frraoo aooa a y ear earifc ifcmób mób dk oas cao caofha fharfd rfdark arkss cai caia a fbf fbfoms omstfs tfs dk

crídmtas quk ok pkrimtfb f ístk hrmbdfr ubf saomdkz fo iaikbta dk kimtmr ub crídmta.

Eubcmabks dk Gkrkbtk Xkgmabfo 

Caardm Caa rdmbfr bfr of Zof Zofbme bmemcf mcfcmó cmób b y arg argfbm fbmzfc zfcmób mób,, fsé cai caia a sup supkrv krvmsf msfr, r, pra praiav iavkr kr y cabt cabtra raof ofrr of gkst gkstmó mób b caik caikrc rcmf mfoo dk oas oas pr prad aduc ucta tass fc fctmtmva vass kb of fg fgkb kbcm cmf f dk



Caipfrtfias Embfbcmkrf. Cabtraofr ko cuipomimkbta dk ofs paoétmcfs dk crídmtas dkbtra dk oas dmspasmtmvas okgfoks quk barifb of mbtkrikdmfcmób embfbcmkrf dko pfés, fsé caia oas tfrmefrmas dk ofs dmstmbtfs iadfomdfdks dk crídmta kb caardmbfcmób cab of Gkrkbcmf Dmvmsmabfo Crídmta Grupfo.



Cabtraofr y dfr skgumimkbta f oas prmbcmpfoks mbdmcfdarks dk praductmvmdfd pfrf dktkctfr apartubfikbtk dksvéas fo cuipomimkbta dk Iktfs.



Caba Ca back ckrr y fpom fpomcf cfrr ofs ofs pa paoéoétmtmcf cfs, s, bari barifs fs,, ombk ombkfi fimk mkbt btas as y pr prac ackd kdmi mimk mkbt btas as kstfhokcmdas kb ko IFB[FO ZFXF OF ZXKUKBCMAB DKO OFUFDA DK FCTMUAS ] DKO EMBFBCMFIMKBTA DKO TKXXAXMSIA.

 

Eubcmabks dk Gkrkbtk Dmvmsmób 

Dmsköfr k mipokikbtfr of kstrftkgmf mbtkgrfo dk cahrfbzf dk of embfbcmkrf kb tadas sus trfias dk cahrfbzf (tkiprfbf, mbtkrikdmf y tfrdéf)



Supkrvmsfr f ofs `kefturfs f cfrga pfrf ko oagra dk oas ah`ktmvas mbstmtucmabfoks (kstrftkgmf, cfipa y cahkx).





Zfrtmcmpfr fctmvfikbtk kb ko pracksa dk cfstmga dk cfrtkrf  Ftkbdkr apartubf y dmomgkbtkikbtk ofs fudmtaréfs fudmtaréfs mbtkrbfs y kxtkrbfs dko ærkf.



Ukofr par of dmeusmób y vmvkbcmf dk of Emoasaeéf mbstmtucmabfo



Cuipom Cui pomrr cab of bar barift iftmvf mvf mbt mbtkrbf krbf rke rkekrk krkbtk btk f dkscuk dkscukbta btas, s, rkembf rkembfbcm bcmfim fimkbt kbta a y rkpragrfifcmabks

Eubcmabks dk Gkrkbtk (f) dk Fgkbcmf 

Zofbmemcfr, Supkrvmsfr, Caardmbfr y Fdimbmstrfr ofs eubcmabks fsmgbfdfs f cfdf puksta pfrf fskgurfr oas rksuotfdas y iktfs pofbtkfdfs kb rkofcmób f of cfomdfd dk of cfrtkrf, fo bðikra dk comkbtks fctufoks y praspkctas y of rkcupkrfcmób dk oas comkbtks caoacfdas.



Iabmta Iab mtarkf rkfrr of fpo fpomcf mcfcmó cmób b dk of ikt iktada adaoag oagéf éf vmgkbt vmgkbtk k imdmkb imdmkbda da ko rmk rmksga sga kb of caoacfcmób par cfdf ubmdfd fsmgbfdf f of fgkbcmf.



Zrapmcmfr ub comif ofharfo hfsfda kb bukstrf emoasaeéf quk mipuosk ko oagra dk ofs iktfs y ko ifbtkbmimkbta dko omdkrfzga mbdmvmdufo, grupfo k mbstmtucmabfo dk cfdf uba dk oas mbtkgrfbtks dk of fgkbcmf.



Supkrvmsfr ofs apkrfcmabks dmfrmfs dk of Fgkbcmf dk fcukrda f ofs dmspasmcmabks okgfoks vmgkbtks y f ofs barifs mbtkrbfs dk Caipfrtfias Embfbcmkrf.



Caba Ca back ckrr y fpom fpomcf cfrr ofs ofs pa paoéoétmtmcf cfs, s, bari barifs fs,, ombk ombkfi fimk mkbt btas as y pr prac ackd kdmi mimk mkbt btas as kstfhokcmdas kb ko IFB[FO ZFXF OF ZXKUKBCMAB DKO OFUFDA DK FCTMUAS ] DKO EMBFBCMFIMKBTA DKO TKXXAXMSIA.

Eubcmabks dko @kek dk Crídmta 

Supkrvmsfr ko atargfimkbta dk oas crídmtas dk su ubmdfd, fbtks, durfbtk y dkspuís dk su fpr fprahf ahfcmó cmób, b, rkf rkfomz omzfbd fbda a ofh ofhark arkss dk cabtra cabtraoo fdimbm fdimbmstr strftm ftmva va dk of gkstmó gkstmób b crkdmtmcmf, dk fcukrda f ofs bariftmvfs okgfoks k mbtkrbfs, fpayfbda f ik`arfr y ifbtkbkr of cfomdfd dk of cfrtkrf crkdmtmcmf.

 



Zrksmdmr of fprahfcmób a rkcnfza dk crídmtas, vkrmemcfbda of cabsmstkbcmf dk of kvfoufcmób y prapukstf dko crídmta, of kxmstkbcmf rkfo dk oas dacuikbtas quk fcrkdmtfb of prapmkdfd, mdkbtmdfd y kstfhmomdfd daimcmomfrmf dko comkbtk.

Eubcmabks dko fsksar dk bkgacmas dk crídmta grupfo 

Mdkbtmemcfr comkbtks patkbcmfoks ikdmfbtk of praiacmób kb of zabf dk mbeoukbcmf, dfbda dfb da f cab caback ackrr oas pra praduc ductas tas,, pofbkf pofbkfbda bda y dac dacuik uikbtf btfbda bda ofs fct fctmvm mvmdfd dfdks ks rkfomzfdfs fcardk f oas prackdmimkbtas kstfhokcmdas dk of mbstmtucmób.



Mipfrtmr f oas grupas quk ahtkbdræb ub crídmta grupfo ko tfookr dk kducfcmób



embfbcmkrf. Zraiacmabfr oas praductas fdmcmabfoks quk sk pukdkb ahtkbkr caia hkbkemcma dk skr comkbtf dk crídmta supkrmar iu`kr.



Cabackr y fpomcfr ofs paoétmcfs, barifs y prackdmimkbtas kstfhokcmdas kb ko ifbufo pfrf of prkvkbcmób dk ofvfda dk fctmvas y dko embfbcmfimkbta dko tkrrarmsia.

 

Ærkf dk Apkrfcmabks

Kstf ærkf trfhf`f dk earif cab`ubtf cab ko ærkf dk crídmtas, kb koof sk kbcukbtrf ko @kek dk Apkrfcmabks, Fbfomstf dk crídmta grupfo, cf`kra y Xkprkskbtfbtk dk Skrvmcma dk Ftkbcmób fo Comkbtk. Ko ærkf dk apkrfcmabks kb ubf kbtmdfd embfbcmkrf, ks dabdk sk df of mbtkrfccmób dmrkctf kbtrk ko comkbtk y of embfbcmkrf. Sk kbcfrgf dk kstfhokckr ko cabtrao dmrkcta sahrk ofs apkrfcmabks dmfrmfs rkfomzfdfs kb of Fgkbcmf, dksdk ko iaikbta dk of fpkrturf nfstf ko cmkrrk y vkofr par ko ifbk`a dk kekctmva y kspkcmks vfoarfdfs, k`krcmkbda supkrvmsmób y rkspabsfhmomdfd par oas imsias. F su vkz vkof par ub skrvmcma dk cfomdfd, supkrvmsfbda supkrvmsfbda quk of ftkbc ftkbcmób mób kb vkbtf vkbtfbmoof bmoof y ftkbc ftkbcmób mób fo usufrma usufrma y comkbtk sahrk oas dmekrkbtks skrvmcmas y praductas aerkcmdas skf ræpmdf y kemcmkbtk, prkskbtfbda of ik`ar mifgkb dk of kiprksf. Kb ístf ærkf sk praiukvk fctmvfikbtk ko pracksa dk mipokikbtfcmób dk of gkstmób dk rmksgas apkrftmvas, cabtmbumdfd dk bkgacma kb ko cfsa dk quk sk prkskbtkb mbcabvkbmkbtks dk smstkifs y skgurmdfd dk mbearifcmób kb su fgkbcmf, yf quk tmkbk hf`a su cumdfda oas kxpkdmkbtks dk oas comkbtks dk of fgkbcmf, kb ko quk sk kbcukbtrf tadf of dacuikbtfcmób bkcksfrmf rkqukrmdf pfrf atargfr oas crídmtas.

 

Eubcmabks @kek dk Apkrfcmabks 

Xkfomzfr of supkrvmsmób y kofharfcmób dk kstrftkgmfs pfrf ko cuipomimkbta dk ofs iktfs caikrcmfoks dk of rkd dk fgkbcmfs.



Xkfomzfr vmsmtfs f ofs fgkbcmfs f bmvko bfcmabfo, fskgurfbda ko cuipomimkbta dk oas pracksas apkrftmvas, dk rmksga y cabtmbumdfd sk rkfomckb dk fcukrda f ofs paoétmcfs dk Caipfrtfias Embfbcmkrf.



Dktkri Dkt krimbf mbfrr oas pra pracks cksas as f skg skgumr umr kb ofs fct fctmvm mvmdfd dfdks ks cré crétmc tmcfs fs dk apkrfc apkrfcmab mabks, ks, crkfbda ofs kstrftkgmfs eubcmabfoks bkcksfrmfs, cab of embfomdfd quk ístfs kstíb



fombkfdfs f oas ah`ktmvas kstrftígmcas goahfoks dk Caipfrtfias Embfbcmkrf. Cabtraofr ko cuipomimkbta dk ofs paoétmcfs y prackdmimkbtas Apkrftmvas, dk Gkstmób dk Xmksga Apkrftmva, Smstkif dk Gkstmób dk Skgurmdfd dk of Mbearifcmób, Smstkif dk Gkstmób dk Cabtmbumdfd dko Bkgacma y ah`ktmvas caikrcmfoks kstfhokcmdas par 

Caip Ca ipfr frtf tfia iass Embf Embfbc bcmk mkrf rf dk rk rksp spab absf sfhm hmomomdfd dfd dk dkoo pk pkrs rsab abfo fo dk Ap Apkr krfc fcma mabk bkss  Fgkbcmfs.

Eubcmabks dk Fbfomstf dk crídmta grupfo 

Mdkbtmemcfr comkbtks patkbcmfoks ikdmfbtk of praiacmób kb of zabf dk mbeoukbcmf, dfbda dfb da f cab caback ackrr oas pra praduc ductas tas,, pofbkf pofbkfbda bda y dac dacuik uikbtf btfbda bda ofs fct fctmvm mvmdfd dfdks ks rkfomzfdfs fcardk f oas prackdmimkbtas kstfhokcmdas kb of mbstmtucmób.



Mipfrtmr f oas grupas quk ahtkbdræb ub crídmta grupfo ko tfookr dk Kducfcmób Embfbcmkrf.



Zraiacmabfr oas praductas fdmcmabfoks quk sk pukdkb ahtkbkr caia hkbkemcma dk skr comkbtf dk Crídmta Sðpkr Iu`kr.



 Fsmstmr f ofs rkubmabks dk cfpfcmtfcmób cfpfcmtfcmób y skgumimkbta dk grupa.

Eubcmabks dk cf`kra 

 Ftkbcmób kb vkbtfbmoof (cahras, dkskihaosas, dkskihaosas, kbtrk atras).



 Fsksarfimkbta fo comkbtk, dabdk dkhk dmrmgmrsk skgðb sus sus bkcksmdfdks.



 Ftkbdkr cabsuotfs, saomcmtudks y rkcofias quk eariuokb oas comkbtks. comkbtks.

Eubcmabks Xkprkskbtfbtk dk Skrvmcma dk Ftkbcmób fo Comkbtk. 

Hrmbdfr ub skrvmcma dk fotf cfomdfd, pracksfbda ofs trfbsfccmabks quk oas comkbtks saomcmtkb kb vkbtfbmoof cab ubf fctmtud caikrcmfo y pasmtmvf.

 



Ifbtkb Ifb tkbkr kr cai caiubm ubmcfc cfcmób mób cab oas comkbt comkbtks ks pfr pfrf f mdkbtm mdkbtmemc emcfr fr apa apartu rtubmd bmdfdk fdkss dk bkgacma, armkbtæbdaoas fo ærkf carrkspabdmkbtk.



Xkfomzfr of kekctmvmdfd dko dkskihaosa dk crídmta, rkekrkbtk f of kbtrkgf dko iabta kekctmva, kb sus dmvkrsfs iadfomdfdks, f trfvís dko smstkif.

 

Mbtkgrfcmób dko Zkrsabfo0

6. Smstk Smstkifs ifs dk rk rkcoutfi coutfimkbta mkbta,, skokcc skokccmób mób y Cab Cabtrftfc trftfcmób mób dk Zk Zkrsab rsabfo. fo. Oas Oas prac pracks ksas as dk rk rkco cout utfi fimk mkbt bta, a, skok skokcc ccmó mób, b, cabt cabtrf rftf tfcm cmób ób qu quk k sk ookv ookvfb fb f cf cfha ha kb Caipfrtfias Embfbcmkrf ba kstæb earifomzfdas bm kstfbdfrmzfdas, ks par kooa quk of mb mbea eari rifc fcmó mób b dko dko dksf dksfrr rrao aooa oa dk cfdf cfdf ub uba a dk ks ksta tass pr prac acks ksas as qu quk k dk dksc scrm rmhm hmia iass f cabt cabtmb mbuf ufcm cmób ób,, sk nf prac prackd kdmd mda a f rk rkcf cfhf hfrr kb hf hfsk sk f of kx kxpk pkrm rmkb kbcm cmf f dk ub uba a dk oa oass mbtkgrfbtks dko grupa dk trfhf`a.

 F cabtmbufcmób, dfias f cabackr par ikdma dk bðikras cfdf fctmvmdfd dk ub rkspkctmva pracksa0

Xkcoutfimkbta 6. Sk kspkcmemcf oas rkqumsmtas dko cfrga a puksta ofharfo quk sk bkcksmtf acupfr  kb of kiprksf y su bkcksmdfd. 8. Sk rkfo rkfomz mzf f ko rkq rkquk ukrm rmim imkb kbta ta dk pkrs pkrsab abfs fs qu quk k ks kstí tíb b mb mbtk tkrk rksf sfdf dfss kb sk skr  r  cabtrftfdfs pfrf trfhf`fr kb ko cfrga quk sk bkcksmtf acupfr.

3. Sk mbmcmf of cabvacftarmf dk ifbkrf mbtkrbf ikdmfbtk carrkas kokctróbmcas. 4. Kb ko cfsa dk ubf cabvacftarmf kxtkrbf sk ifbdf cabvacftarmfs kb ckbtras dk kstudmas kstudm as tícbmcas y supkrm supkrmarks. arks. Tfihmí Tfihmíb b oa nfckb kb cfbfo cfbfoks ks dk mbtkrb mbtkrbkt kt iuy vmsmtfdas par pkrsabfs huscfbda kipoka.

;. Sk cabvacfb f fimgas y cabacmdas dk pkrsabfs quk yf pkrtkbkckb f of kipr ki prks ksf f f cfih cfihma ma dk ub mbck mbckbt btmv mva, a, smki smkipr prk k y cu cufb fbda da ks kstf tf pk pkrs rsab abf f rkcaikbdfdf cuipof oas ah`ktmvas oas trks prmikras iksks dk prukhf.

Skokccmób 6. Sk rkvmsf ofs na`fs dk vmdf dk ofs pkrsabfs quk nfb smda rkcoutfdfs pfrf pastkrmarikbtk skokccmabfr f oas quk cuipokb cab ko pkremo quk kstæ huscfbda of kiprksf.

 

8. Sk rkfomzf ubf kbtrkvmstf cab ko `kek mbikdmfta dko ærkf quk rkqumkrk ko pkrs pkrsab abfo fo pf pfrf rf quk quk pukd pukdf f df dfrr su fp fpra rahf hfcm cmób ób y ou oukg kga a pr pras asmg mgf f cab cab of ofss kvfoufcmabks.

3. Zrukhf psmcaoógmcf y psmcatícbmcfs kscrmtfs. 4. Zrukhfs psmcaoógmcfs kb grupa. ;. Ukrmemcfcmób dk dftas dko cfbdmdfta. 5. Xkvmsmób dk rkekrkbcmfs ofharfoks, fbtkckdkbtks paomcmfoks y pkbfoks. 7. Kxfikb iídmca. Cabtrftfcmób  Kxmstkb das tmpas dk cabtrftas oas cufoks sab par pofbmoof y par præctmcfs prkpraeksmabfoks. 6. Kb oas oas cabt cabtrf rfta tass par par pofb pofbmomoof of sk kspk kspkcm cmememcf cf ko puks puksta ta,, su suko koda da y tmki tmkipa pa dk dkoo

caofharfdar f cabtrftfr. Kstas sukokb skr dktkrimbfdas par 3 f 5 iksks cufbda ks pkrsabfo kxtkrba, k mbdktkrimbfda cufbda sab mbtkrbas.

8. Kb oas cabtrftas dk præctmcfs prk praeksmabfoks gkbkrfoikbtk sab par 5 iksks y oukga dkhkréfb dk kstfr cfpfcmtfdas pfrf acupfr ub puksta ko cufo skf par  pofbmoof. Kstas dacuikbtas sab rkvmsfdas y emrifdas par oas fdimbmstrfdarks dk fgkbcmf y gkrkbtks tkrrmtarmfoks.

8. Zao Zaoétm étmcfs cfs dk i iatm atmvfc vfcmób mób d dko ko pk pkrsa rsabfo bfo.. 

Oébkf dk cfrrkrf0 par k`kipoa, ko fsksar quk mbgrksf caia @ubmar pukdk fspmrfr f ookgfr caia Gkrkbtk dk crídmtas, Gkrkbtk Xkgmabfo a Gkrkbtk Dmrkccmabfo y fsé skgumr fvfbzfbda a kscfofbda paca f paca.



Hkbkemcmas0 caia prístfia pkrsabfo, armkbtfcmabks quk sk oks hrmbdf fo pkrsabfo, skrvmcma dk Sfoud Acupfcmabfo, tmkbkb ubf rkprkskbtfbtk dk pkrsabfs of cufo pukdkb dk ubf ifbkrf cfbfomzfr cmkrtfs cabsuotfs, dudfs a fogubf fyudf quk bkcksmtkb.



dmbk bkra ra kx kxtr trf, f, sk oa oagr grf f dk of Haba Xkvf (Xki (Xkiubkr ubkrfcmób fcmób Ufrmf Ufrmfhok) hok)0 ks ub dm praduc pra ductmv tmvmdf mdfd d quk oag oagrf rf ko fsk fsksar sar kb ub dktkri dktkrimbf mbfda da iks y cui cuipom pomrr cmk cmkrta rtass mbdmcfdarks pfrf quk sk dktkrimbk ko iabta dko haba.



Xkcabacmimkbta fo ik`ar 0 iks f iks sk ok rkcaback fo ik`ar fsksar dk fgkbcmf a rkgmób, fo ik`ar `kek dk crídmtas a fo ik`ar gkrkbtk, ks fquko qumkb sk dkstfcf ik`ar y supkrfda sus iktfs.

 

Smstkifs dk mbduccmób dko pkrsabfo bukva. Mbduccmób 6. Tad Tada a trf trfhf` hf`fda fdarr quk sk mbc mbcarp arpark ark f Cai Caipfr pfrtfi tfias as Emb Embfbc fbcmkr mkrf f rkcmhm rkcmhmræ ræ ub kbtrkbf kbt rkbfimk imkbta bta prk prkvma vma quk oa mbt mbtkgr kgrk k cab rfp rfpmdk mdkzz y kem kemcmk cmkbcm bcmf f fo fih fihmkb mkbtk tk ofharfo. Dmcna kbtrkbfimkbta cabsmstmræ kb prkskbtfcmabks rkofcmabfdfs f of imsm imsmób ób y vmsm vmsmób ób dk of mbst mbstmtmtuc ucmó mób, b, eu eubc bcma mabk bks, s, pr prac ackd kdmi mimk mkbt btas as y pa paoéoétmtmcf cfss rkof rkofcm cmab abfd fdfs fs fo puks puksta ta,, smst smstki kif f dk pr prkv kvkb kbcm cmób ób dk Of Ofvf vfda da dk Fc Fctmtmva vass y Embfbc Emb fbcmfi mfimkb mkbta ta dk Tkr Tkrrarm rarmsia sia y Cód Códmga mga dk Cabduc Cabductf tf y fo fccksa fccksa dk oas smstkifs y cofvks, skgðb rkqukrmimkbtas dko puksta durfbtk ko pkrmada dk ubf skifbf.

8. Ko Dkpfrtfikbta dk Zkrsabfs ks ko rkspabsfhok dk of prkskbtfcmób earifo dko bukva caofharfdar f sus caipfökras dk trfhf`a, sköfoæbdaok oas cfrgas y eubcmabks dk oas ðotmias. Tfihmíb sk ok prkskbtfræ f atras eubcmabfrmas cab oas cufoks pudmkrf vmbcuofrsk y cab ofs `kefturfs quk carrkspabdfb. Fsé imsia sk ok kbsköfræ ofs mbstf mbstfofcma ofcmabks bks dk su bukva ougfr dk trfhf`a, trfhf`a, caia tfihm tfihmíb íb oas ikdmas y iftkrmfoks quk kstfræ f su dmspasmcmób y of earif dk cabskgumroas.

3. Imkbtrfs durk ko pracksa dk mbduccmób bmbgðb bukva trfhf`fdar padræ fsuimr  rksp rkspab absf sfhm hmomomdfd dfdks ks cuyf cuyf bf bftu turf rfok okzf zf kx kxm`m`f f ub ca caba bacm cmim imkb kbta ta cf cfhf hfoo dk of argfbmzfcmób.

 

Dmrkccmób0

6. Fbæo Fbæomsms msms dk dkoo kstmo kstmoa a dk omdk omdkrfzga rfzga p prkda rkdaimbfb imbfbtk tk kb of arg argfbmzf fbmzfcmób cmób  F cabtmbufcmób, sk iukstrf ubf tfhof dk étki dabdk sk padrkias ikdmr ko tmpa dk omdkrfzga0 Ks iuy bfturfo quk of gkbtk trfhf`k oa ikbas quk ok skf pasmhok.

;

Cufbda of gkbtk kvmtf ko trfhf`a, gkbkrfoikbtk ks parquk su trfhf`a nf smda prmvfda dk ;

6:

skbtmda. Sm oas kipokfdas tmkbkb fccksa f of mbearifcmób quk qumkrfb, tkbdkræb f tkbkr ik`arks > fctmtudks y f caipartfrsk iæs rkspabsfhokikbtk. Sm oas kipokf kipokfdas das tmk tmkbkb bkb fcc fccksa ksa f ifya ifyarr mbear mbearifc ifcmób mób dk of quk bkc bkcksm ksmtfb tfb pfr pfrf f nfckr sus sus 8

6:

 

tfrkfs mbikdmftfs, gkbkrfoikbtk fhusfræb dk kooa. [b prahokif quk surgk fo pkdmr mdkfs f oas kipokfdas ks quk su pkrspkctmvf ks dkifsmfda

8

omimtfda pfrf quk sus sugkrkbcmfs tkbgfb fogðb vfoar. Zkdmr mdkfs f oas kipokfdas fipoéf su pkrspkctmvf y df caia rksuotfda ko dksfrraooa dk

>

6:

sugkrkbcmfs ðtmoks. Of gkbtk ba utmomzf iucna su mifgmbfcmób k mbgkbma kb ko trfhf`a, prahfhokikbtk parquk ba

3

oas tmkbk kb grfb ikdmdf Of ifyar pfrtk dk of gkbtk ks mifgmbftmvf y crkftmvf pkra ba pukdk iastrfr oa dkhmda f 7

6:

omimtfcmabks mipukstfs kb ko trfhf`a par of supkrvmsmób Of gkbt gkbtk k tm tmkb kbdk dk f kokv kokvfr fr sus sus kstæ kstæbd bdfr frks ks sm sk ok nf nfck ck rk rksp spab absf sfho hok k pa parr su pr prap apma ma ;

6:

caipartfimkbta y par of carrkccmób dk sus krrarks. Of gkbtk tmkbdk f hf`fr sus kstæbdfrks sm ba ks cfstmgfdf par su ifo caipartfimkbta y

;

krrarks. Ks ik`ar dfr f of gkbtk tfbta hukbfs caia ifofs batmcmfs parquk of ifyar pfrtk dk oas

=

kipokfdas qumkrkb sfhkr of nmstarmf caipoktf, ba mipartfb quk tfbta dukof. Ks ik`ar rktkbkr rktkbkr ofs ifofs batmcmf batmcmfss rkspkct rkspkcta a f oas bkgacma bkgacmas, s, parquk of ifyar pfrtk dk oas 6

6:

kipokfdas, kb vkrdfd, sóoa qumkrkb aér hukbfs bukvfs. Kb vmstf dk quk ub supkrvmsar supkrvmsar ikrkck iæ iæss rkspkta, quk qumkbk qumkbkss kstæb dkhf`a dk ío kb of : argfbmzfcmób, su prkstmgma sk dkhmomtf fo fdimtmr quk ub suhardmbfda tmkbk rfzób y quk ío kstfhf kqumvacfda. ]f quk of gkbtk kb cufoqumkr bmvko ikrkck mgufo rkspkta, ko prkstmgma dk ub supkrvmsar sk

6: 6:

mbcrkikbtf cufbda fpayf dmcna prmbcmpma fo fckptfr quk ub suhardmbfda kstæ kb oa cmkrta y ío kqumvacfda. Sm sk ok df f of gkbtk suemc suemcmkbtk mkbtk dmbkra, tkbdkr tkbdkræ æ f prkac prkacupfrsk upfrsk ikbas par mbtfbgmho mbtfbgmhoks ks tfoks ; caia of rkspabsfhmomdfd y ko rkcabacmimkbta. Sm sk ok df f of gkbtk ub trfhf`a mbtkrks mbtkrksfbtk fbtk y rktfdar, tkbdkr tkbdkræ æ ikbas f quk`fr quk`frsk sk dk casfs ;

6:

tfoks caia su rkiubkrfcmób y prkstfcmabks. Sm f of gkbtk sk ok pkrimtk kstfhokckr sus prapmfs iktfs y barifs dk k`kcucmób, tkbdkréf f : kstfhokckrofs iæs fotfs quk caia ofs kstfhokckréf su `kek. Sm f of gkbtk sk ok pkrimtk kstfhokckr sus prapmfs iktfs y barifs dk k`kcucmób, tkbdkréf f 6:

6:

kstfhokckrofs iæs hf`fs quk caia ofs kstfhokckréf su `kek. Imkbtrfs iæs cabacmimkbta y omhkrtfd tkbgf ubf pkrsabf rkspkcta f su trfhf`a, sk rkqukrmræb ; iæs cabtraoks pfrf ifbtkbkrof dkbtra dk of oébkf. Imkbtr Imk btrfs fs iæs cab cabacm acmimk imkbta btass y omhkrt omhkrtfd fd tkbgf tkbgf ubf pkrsa pkrsabf bf rksp rkspkct kcta a f su trfh trfhf`a f`a,, ikbas ;

 

6:

cabtraoks sk bkcksmtfræb pfrf fskgurfr ubf k`kcucmób sftmsefctarmf dko trfhf`a.

  Eukbtk0 Zrapmf Sk cabcouyk oa smgumkbtk0

^ 9 48

  6::

:

 ] 9 ;>

;:

Kb kstf kiprksf ko omdkrfzga cab of quk sk cfrfctkrmzf ko gkrkbtk ks nfcmf of

tkaréf y, ksta qumkrk dkcmr quk pfrf focfbzfr sus ah`ktmvas ks f trfvís dko trfhf`a kb kqumpa, ko mbtkrc mbtkrcfihma fihma dk mdkfs y su prmbcmpfo iatmvfcmób iatmvfcmób sab of mbtré mbtrébskcf bskcf y of kxtrébskcf, rksfotfbda oas rkcabacmimkbtas f oas quk oagrfb sus iktfs y ub pfga kxtrf f su sukoda hæsmca. 8. Fbæo Fbæomsms msms dk dkoo smstki smstkiff dk caiu caiubmcfcm bmcfcmób ób dkbt dkbtra ra dk of ar argfbmz gfbmzfcmób fcmób Smstkifs dk Mbearifcmób y Caiubmcfcmabks 

Sm Smst stki kiff mb mbea eari riæt ætmc mca a pf pfrf rf of gk gkst stmó mób b dk rmks rmksga gass ap apkr krft ftmv mvas as0 Sk nf mipoki mip okikbt kbtfda fda ub sms smstki tkif f mbe mbeari ariætm ætmca ca ksp kspkcm kcmfom fomzfd zfda a (Saetw (Saetwfrk frk CKXA), CKXA), kb of gkstmób dk rmksgas apkrftmvas, ko cufo tmkbk of hfsk dk dftas prmbcmpfoikbtk dk0



Iftrmcks dk XA0 sk nfb rkgmstrfda oas rmksgas mdkbtmemcfdas, sus cabtraoks y oas bmvkoks dk ikdmcmób, rkofcmabæbdaoas f oas pracksas mbstmtucmabfoks, fsé caia f ofs cftkgaréfs dk Hfsmokf MM.



Trftfi Trf tfimkb mkbtas tas y su skg skgumi umimkb mkbta ta0 Sk nf nfck ck sk skgu gumi mimk mkbt bta a ikdm ikdmfb fbtk tk fo fokr krtf tfss futaiætmcfs dk of mipokikbtfcmób dk oas trftfimkbtas, fsé caia sk rkgmstrf ko skgumimkbta dk oas pofbks dk fccmób.



Hfsk dk dftas dk kvkbtas dk pírdmdf0 F trfvís dk oas gkstarks dk rmksgas tadf of argfbmzfcmób rkgmstrf oas kvkbtas dk pírdmdf, oas cufoks sab vfomdfdas par of gkrkbcmf dk gkstmób dk rmksga y cab of pfrtmcmpfcmób dk ofs dmekrkbtks ærkfs sk dktkrimbfræb oas iabtas dk pkrdmdf hrutf, fsé caia ofs rkcupkrfcmabks cuhmkrtfs par oas skguras y atra tmpa dk rkcupkrfcmabks. Of hfsk dk dftas pkrimtk mdkbtmemcfr 

 

ræpmdfikbtk oas pracksas y fgkbcmfs kb ofs quk sk dkhkb armkbtfr oas kseukrzas kb of gkstmób dk rmksgas apkrftmvas y of fpomcfcmób dk of ik`arf cabtmbuf.  

Cabtrao0

6. Smstk Smstkifs ifs d dkk cabt cabtrao rao p prkda rkdaimbf imbfbtk btk kb of ar argfbmz gfbmzfcmób fcmób.. Kstructurfoikbtk, tfbta ko Dmrkctarma, caia of pofbf gkrkbcmfo, nfb earifda caimtís pfrf ko skgumimkbta cabtmbua dko cuipomimkbta dk oas ah`ktmvas kstrftígmcas. Oas Caimtís dk  Fudmtaréf y dk Gkstmób Mbtkgrfo dk Xmksgas sk dksprkbdkb dko Dmrkctarma, imkbtrfs quk oas Caimtís dk0 Cfstmgas, Gkstmób dk Fctmvas y Zfsmvas y Kemcmkbcmf, kstæb cabearifdas par  imkihras dk of Gkrkbcmf. Dk of Gkrkbcmf Gkbkrfo dkpkbdkb 5 Gkrkbcmfs Ckbtrfoks y, caia ærkf dk fpaya of Gkrkbcmf dk Fsksaréf Okgfo y Cuipomimkbta. Xkspkcta f of Fudmtarmf Mbtkrbf dksdk ifya dko 8:6> kstæ f cfrga dko Sköar Dfbtk

Carbk`a Ifrtébkz. Ko kbeaquk dk of [bmdfd kstæ hfsfda kb rmksgas, huscfbda fgmomzfr  pracksas rkfomzfbda fudmtaréfs cabtmbufs dk fgkbcmf f dmstfbcmf cab ko prapósmta dk omhkrfr rkcursas pfrf ofs fudmtarmfs kbeacfdfs kb rmksga. Sk cukbtf cab ko fpaya dko Ærkf dk Fudmtaréf dko Grupa Gkbtkrf, pfrf fpomcfr ofs ik`arks præctmcfs k mbbavfr kb tkifs dk tkcbaoagéf kb oas pracksas dk fudmtarmf. Kstas Kst as Gks Gkstar tarks ks dk Xmk Xmksga sga sab Cao Caofha fharfda rfdarks rks dks dksmgb mgbfda fdass kb ofs dme dmekrk krkbtk btkss ærk ærkfs fs y bmvkoks dk of kstructurf argfbmzfcmabfo, tfbta kb fgkbcmfs caia kb ofs ubmdfdks dk bkgacma y fpaya dk Caipfrtfias Embfbcmkrf< sab rkspabsfhoks dk of fpomcfcmób dk of iktadaoagéf y nkrrfimkbtfs dk Xmksga Apkrfcmabfo dk ifbkrf dksckbtrfomzfdf kb su æihmta dk fccmób. Oas Gkstarks dk Xmksga Apkrfcmabfo kb ofs fgkbcmfs sab oas @keks dk Apkrf Apk rfcm cmab abks ks y kb CK CKFS FS sab sab oas oas rksp rkspab absf sfho hoks ks dk cf cfdf df pr prac acks ksa a dk of Em Embf bfbc bcmk mkrf rf.. Mipartfbtk ikbcmabfr quk oas Gkstarks dk Xmksga fpomcfb tfihmíb pfrf of Gkstmób dk Cabtmbumdfd dko Bkgacma y Skgurmdfd dk of Mbearifcmób.

8. Smstk Smstkifs ifs d dkk ikd ikdmcmób mcmób y cai caipfrfc pfrfcmób mób dk fc fctmvmd tmvmdfdks. fdks. [tmomzfb ub smstkif dk caoarmiktréf pfrf ikdmr caskcnfs durfbtk tadfs ofs skifbfs oks mbdmcfb sm kstæ kb ra`a, fifrmooa a vkrdk ksta sk df f trfvís dk ub rkpartk ikbsufo. Ko gkrkbtk dk cfdf fgkbcmf tmkbk quk nfckr skgumimkbta y caipfrfcmób dk cfdf grupa pfrf vkr sm qumkbks kstæb mipfctfbda kb of caoarmiktréf pfrf padkr ookgfr fo vkrdk yf quk ks ko caoar mdkfo, ksta smgbmemcf quk tu cfomdfd dk cfrtkrf kstæ iuy hmkb.

Caskcnfs sab fqukooas crídmtas quk cmkrrfb cab iæs dk 3: défs dk ftrfsa dk vkbcmda.

 

Caia caipfrfcmób caipfrfcmób dk fctmv fctmvmdfdks mdfdks dmfrmfs tkbkias ko rkpart rkpartk k apkrft apkrftmva(X mva(XA), A), quk ks ub cabsaomdfda dko fvfbck dk ofs iktfs f dmfrma, par k`kipoa, ko sfoda cfpmtfo, dkskih dks kihaos aosas as pfr pfrf f fsk fsksar sar,, par parckb ckbtf` tf`ks ks dk skg skgura uras, s, cabtkb cabtkbcmó cmób b CZZ CZZ,, cab cabtkb tkbcmó cmób b barifo, parckbtf`k dk rkbavfcmób y pfga kb ekcnf.

Eukbtk0 Caipfrtfias Embfbcmkrf Tfihmíb sk ifbk`f ko Zawkr Hm, ks ub smstkif dk fbæomsms kb oébkf dabdk tk rkpartf dk ifbkrf smiuotæbkf ko cabsaomdfda dk ofs cukbtfs dk tadf of skifbf, dabdk sk padræ vmsufomzfr of cuatf, sfoda cfpmtfo y sm ko comkbtk yf cfbckoó.

 

 

 

Eukbtk0 Zartfo Zawkr Hm

Xkspabsfhmomdfd Sacmfo0

6. Zaoé Zaoétmcfs tmcfs ar armkbtf mkbtfdfs dfs f pra praiavkr iavkr kkoo cumdf cumdfda da dko i ikdma kdma fi fihmkb hmkbtk. tk. Cmudfd Sfoudfhok Huscfb fyudfr f cabstrumr cmudfdks y caiubmdfdks iæs sfoudfhoks dabdk cfdf uba

cuipof su pfpko dk cabtrmhumr cab ko rkcmcof`k y cmrcuofrmdfd dk oas rksmduas kb ko Zkrð Nfb sfcfda fdkofbtk of Oky Bº 8=46= quk fyudf f of earifcmób dk rkcmcofdarks, su trfhf`a ks dk iæs dk imoks rkcmcofdarks kb ko Zkrð ko cufo fyudf f iæs dk efimomfs rkcmcofdarfs pukdfb sfomr fdkofbtk y embfoikbtk vf f pkrimtmr ifbtkbkr iucna iæs omipma bukstra pfés y ofs cmudfdks dabdk nfhmtfias y fdkiæs skgumræb fyudfbda f quk ístfs efimomfs tkbgfb ub kipoka pfrf sahrkvmvmr kb kstas tmkipas dk cayubturf.

8. Zræ Zræctm ctmcfs cfs fbt fbtmm car carrup rupcmó cmób. b. Kb caipfrtfias embfbcmkrf tadas oas föas kxmstk das ckrtmemcfcmabks dk of SHS, quk sk dkhk cuipomr, kb of fctufomdfd (actuhrk, 8:86) kstfias kb pokbf ckrtmemcfcmób, cabsmstk0 smstkif dk prkvkbcmób dk ofvfdas dk fctmvas, embfbcmfimkbta dko tkrrarmsia y carrupcmób, cuipomimkbta bariftmva- crídmtas atargfdas, rmksga apkrfcmabfo, cabtmbumdfd dko bkgacma, skgurmdfd dk of mbearifcmób, cabducta dko ikrcfda0

F. Dk Dkem emb bmc mcmó mób b dk oa oass Dk Dkom omta tass dk Of Ofvf vfda da dk Fc Fctm tmva vas, s, Embf Embfbc bcmf mfim imkb kbta ta Dk Dkoo Tkrrarmsia y Carrupcmób 

Ofvfda Dk Fctmvas (OF)0 Zracksa par ko cufo sk huscf mbtraducmr, kb of kstructurf kcab kcabói óimc mcf f y embf embfbc bcmk mkrf rf dk ub pfés pfés,, rk rkcu curs rsas as (d (dmb mbkr kra, a, hm hmkb kbks ks a gfbf gfbfbc bcmf mfs) s) pravkbmkbtks dk fctmvmdfdks moécmtfs (dkomtas prkckdkbtks) cab of embfomdfd dk dfroks fpfrmkbcmf dk okgfomdfd.

 



Embfbcmfimkbta Dko Tkrrarmsia (ET)0  Zraparcmabfr fpaya embfbcmkra kb earif dmrkctf a mbdmrkctf, pfrf caiktkr cufoqumkr tmpa dk fcta tkrrarmstf, skf par ub futar  mbdmvmdufo a ubf argfbmzfcmób tkrrarmstf. Oas eabdas pukdkb skr oécmtas caia moécmtas



Carrupcmób0 Of carrupcmób ks ub ekbóikba fipoma quk focfbzf f fctmvmdfdks pðhomcfs y prmvfdfs y cabsmstk kb aerkckr a rkcmhmr saharbas.

a

Kb ko æihmta pðhomca, ks rkcmhmr, saomcmtfr a praiktkr fogðb hmkb dk vfoar f ub eubcmabfrma pðhomca cab of embfomdfd dk ahtkbkr fogðb hkbkemcma a vkbtf`f.

a

Kb ko æihmta prmvfda, ks fckptfr, rkcmhmr a saomcmtfr fogðb hmkb dk vfoar, pfrf efvarkckr f ub pravkkdar a sacma caikrcmfo kb ko ifrca dk ofs rkofcmabks caikrcmfoks cfusfbda pkr`umcma f of kiprksf. Tfihmíb ks praiktkr, aerkckr a cabckdkr fogðb hmkb dk vfoar f ub fccmabmstf, dmrkctar, gkrkbtk y/a cufoqumkr 

atra atra caof caofha harf rfda darr dk ub ubf f ki kipr prks ksf f ca cab b of quk quk sk if ifbt btkb kbgf gf a prktk prktkbd bdf f ifbtkbkr rkofcmabks caikrcmfoks.

H. XMKS XMKSGAS GAS ZFXF CA CAIZFX IZFXTFIA TFIAS S EMBFBC EMBFBCMKXF MKXF ] TMZAO TMZAOAGÉF AGÉFS S DK OF/ET. Dk fcukrda cab of kvfoufcmób dk rmksgas rkfomzfdf fo mbtkrmar dk of kiprksf, oas rmksgas mdkbtmemcfdas pfrf Caipfrtfias Embfbcmkrf sab0 



Zasmhmomdfd dk skr usfdas y/a vmbcuofr cab of kiprksf f kbtmdfdks a pkrsabfs dkdmcfdfs f fctmvmdfdks moécmtfs y dk ofvfda dk dmbkra. Zasmhmomdfd dk quk ub caofharfdar dk Caipfrtfias sk caomguk cab ub tkrckra pfrf kbcuhrmr apkrfcmabks dkstmbfdf f ofvfr dmbkra moécmta.

Kstas rmksgas pukdkb ifbmekstfrsk cufbda ba sk cabackb fdkcufdfikbtk f 3 fctarks prmbcmpfoks0 (6) Comkbtks, (8) Caofharfdarks y (3) Zravkkdarks y Cabtrfpfrtks.  Fo ba cabackr carrkctfikbtk f kstas fctarks, pukdk pkrimtmrsk ko mbvaoucrfimkbta dk of kiprksf cab cufoqumkrf dk ofs tmpaoagéfs dk Ofvfda dk fctmvas a embfbcmfimkbta dko tkrrarmsia< par cabsmgumkbtk, ks iuy mipartfbtk ifbtkbkr fctufomzfda ub rkgmstra dk pkrs pkrsab abfs fs cab cab rk rkek ekrk rkbc bcmf mfss bkgf bkgftm tmvf vfss pfrf pfrf ca cabt btra raof ofrr of vmbc vmbcuo uofc fcmó mób b dk comk comkbt btks ks,, caofharfdarks, pravkkdarks y cabtrfpfrtks, cuipomkbda cab of dkhmdf dmomgkbcmf pfrf caba caback ckro roas as fbtk fbtkss dk of vmbc vmbcuo uofc fcmó mób b y dfr dfr ko skgu skgumi mimk mkbt bta a bk bkck cksf sfrm rma a du durf rfbt btk k su pkrifbkbcmf.

 

Ofs tmpaoagéfs iæs caiubks sab0 

Tkstfekrras a Zrkstfbaihrks0 Cufbda sk usf f tkrckrfs pkrsabfs pfrf nfckrsk pfsfr par hkbkemcmfrmas, tmtuofrks a gfrfbtks kb apkrfcmabks embfbcmkrfs.



Zmtueka a Trfhf`a dk Narimgf0 Cufbda sk erfccmabfb iabtas mipartfbtks kb vfrmfs apkrfcmabks cab iabtas pkquköas y sk mbgrksfb fo smstkif embfbcmkra.



Kiprksfs Efcnfdf a Emdkmcaimsas0 Cufbda sk rkfomzfb apkrfcmabks f baihrk dk kiprksfs fpfrkbtkikbtk okgfoks, pkra quk ba kxmstkb eésmcfikbtk, a ba cuipokb cab su gmra dk bkgacma. A kstfs apkrfcmabks sk rkfomzfb f baihrk dk sacmkdfdks



emducmfrmfs. Caipomcmdfd dk caofharfdarks0 Cufbda oas imsias trfhf`fdarks dk of kiprksf, sk caoudkb cab oas ofvfdarks pfrf ahtkbkr hkbkemcmas prapmas.

 

Ombkfimkbtas pfrf kvmtfr of carrupcmób

Zaoétmcfs dk of Kiprksf sahrk ko Smstkif dk Zrkvkbcmób dk OF/ET  

Zaoétmcf Dk Cabacmimkbta Dko Comkbtk

Of paoétmcf dk cabacmimkbta dko comkbtk sk kbcukbtrf kb oas ifbufoks dk of kiprksf y kstæ mdkbtmemcfdf cab ko códmga ZA-OF-:6. Tadas oas caofharfdarks rkspabsfhoks dk vmbcuofr f oas comkbtks tmkbkb of ahomgfcmób dk saomcmtfr of dacuikbtfcmób k mbearifcmób rkspkcta f oas dftas pkrsabfoks y fctmvmdfd kcabóimcf dk sus comkbtks. Fsmimsia, ks ahomgftarmf of vkrmemcfcmób dk dftas suimbmstrfdas y fctufomzfcmób pkrmódmcf cabearik f ofs paoétmcfs dk cfdf praducta dk of kiprksf. Sk cabs cabsmd mdkrf krf caia caia comk comkbt btk, k, f of pk pkrs rsab abf f a hkbk hkbkememcm cmfrm frma a qu quk k if ifbt btmk mkbk bk ub ubf f cu cukb kbtf tf (apkrfcmób pfsmvf) a of quk ahtmkbk ub crídmta cab of embfbcmkrf (apkrfcmób fctmvf) y ofs pkrsabfs quk utmomzfb fogðb skrvmcma quk praparcmabf of kiprksf. Oas comkbtks cab ifyar rmksga kb fctmvmdfdks dk OF/ET, sab0 

Emdkmcaimsas



Comkbtks kxtrfb`kras0 Sahrk tada comkbtks dk pfésks ba caapkrfbtks kb of oucnf cabtrf oas dkomtas dk Ofvfda dk fctmvas.



Argfbmzfcmabks smb embks dk oucra0 ABG”s, fsacmfcmabks dkpartmvfs, rkomgmasfs, cuoturfoks a dk hkbkemckbcmf.

 



Zkrsabfs kxpukstfs paoétmcfikbtk (ZKZ)0 [b comkbtk ZKZ ks fquko quk cuipok ubf eub eubcmó cmób b pðh pðhomc omcf f dks dkstfc tfcfdf fdf y cuy cuyfs fs cmrcub cmrcubstf stfbcm bcmfs fs emb embfbc fbcmkr mkrfs fs puk pukdkb dkb skr  ah`kta dk mbtkrís pðhomca.

Zfrf dktkctfr fctmvmdfdks mbusufoks kb oas comkbtks, kxmstkb sköfoks dk fokrtf quk bas pukdkb fyudfr. Fogubfs dk ofs iæs caiubks sab0 

 Fota bðikra dk iavmimkbtas cab iabtas hf`as par pfrtk dko comkbtk. Zar k`kipoa, rkfomzf vfrmas dkpósmtas dk S/.6 ::: kb ub iks y f embks dko imsia rktmrf tada ko dmbkra.



Bkgftmvf par pfrtk dko comkbtk f hrmbdfr mbearifcmób dk sé imsia a dk sus mbgrksas.



Zrk-cfbckofcmób dk prístfias cabstfbtks.



Trfimtf ko prístfia f su baihrk y saomcmtf dkskihaosfroa kb atrf zabf gkagræemcf

f trfvís dk ubf tkrckrf pkrsabf.

Zaoétmcf dk Cabacmimkbta dk oas Caofharfdarks Zfrf cabackr f sus caofharfdarks, of kiprksf cukbtf cab ofs smgumkbtks paoétmcfs0 (6) Zaoéoétmtmcf Za cf dk Xk Xkco cout utfi fimk mkbt bta a y Sk Skok okcc ccmób mób dk Zk Zkrs rsab abfo fo (ZA(ZA-GZ GZ-: -:4) 4) y (8 (8)) Zaoé Zaoétmtmcf cf dk Ukrmemcfcmób y Skgumimkbta dk of Cfomemcfcmób Crkdmtmcmf dk oas Caofharfdarks y Zastuofbtks (ZA-GZ-6;) Kb ko cabacmimkbta dk caofharfdarks, sk cabsmdkrfb sköfoks dk fokrtf caiubks0 

Kstmoa dk vmdf smb rkofcmób f oas mbgrksas0 Cufbda oas caofharfdarks fdqumkrkb hmkbks, pfgfb dkudfs a iukstrfb ub bmvko dk vmdf iæs fcaiadfda quk ko quk su mbgrksa oks pkrimtk.



Acuotfimkbta dk mbearifcmób sahrk mbgrksas0 Cufbda ko caofharfdar ba dkcofrf mbtkbcmabfoikbtk oas mbgrksas fdmcmabfoks quk tmkbk .

 Fdmcmabfoikbtk y f ifbkrf dk cabtrao, oas caofharfdarks sab kvfoufdas kb cufbta f su caip caipar artf tfim imkb kbta ta kb ko smst smstki kif f embf embfbc bcmk mkra ra,, yf quk, quk, dk tk tkbk bkrr ub ca caip ipart artfi fimk mkbt bta a mbfdkcufda, pukdkb skr skbsmhoks f skr usfdas pfrf dkomtas dk OFET. [b caofharfdar tmkbk ub caipartfimkbta mbfdkcufda kb ko smstkif embfbcmkra par das iatmvas0 (6) Tmkbk ifof Cfomemcfcmób (Dkemcmkbtk, Dudasa a Zírdmdf) y/a (8) Sk kbcukbtrf sahrk kbdkudfda, ks dkcmr0 (f) Su rfzób cuatf/mbgrksa ks ifyar f 5:%, (h) Tmkbk iæs dk cuftra

 

(4) kbtmd kbtmdfdks fdks fcrkk fcrkkdarfs darfs y (c)

Sus

oébkf oébkfss

rkvao rkvaovkbtks vkbtks

kstæb

usfdf usfdfss

par 

kbcmif dko >:%.

Zaoétmcf dk Cabacmimkbta dk Zravkkdarks ] Cabtrfpfrtks Tadas Tad as oas cao caofha fharfd rfdark arkss quk tmkbkb tmkbkb rkofcm rkofcmób ób cab pra pravkk vkkdar darks ks a cabtrf cabtrfpfr pfrtks tks dkh dkhkb kb ckrcmarfrsk dk saomcmtfr y cabackr of smgumkbtk mbearifcmób0 

Dftas pkrsabfoks dko Zravkkdar a Cabtrfpfrtk.



Dftas rkofcmabfdas fo tmpa y cfomdfd dk su skrvmcma



Zrapmktfrmas, sacmas, fccmabmstfs y rkprkskbtfbtks okgfoks

 Fogubfs sköfoks dk fokrtf iæs caiubks pfrf dktkctfr fctmvmdfdks mbusufoks kb oas pravkkdarks sab0 

Cufbda sk prkskbtfb ksckbfs dk carrupcmób.



Cufbda oas pravkkdarks hf`fb castas nfstf ba tkbkr gfbfbcmfs, cab tfo dk mbmcmfr  ubf rkofcmób caikrcmfo cab of kiprksf.

Zaoétmcfs dk of Kiprksf pfrf Zrkvkbmr of Carrupcmób Zfrf prkvkbmr ko dkomta dk carrupcmób, cabtfias cab paoétmcfs y prackdmimkbtas quk ahomgfb f tadas bukstras caofharfdarks f0 

Cabackr y fpomcfr dkhmdfikbtk ofs paoétmcfs dk mdkbtmemcfcmób y cabacmimkbta dk pravkkdarks, cabtrfpfrtks, sacmas caikrcmfoks y usufrmas.



Ba rkfomzfr f trfvís dk Caipfrtfias Embfbcmkrf apkrfcmabks cab rkcursas dk prahfhok prackdkbcmf moécmtf.



Xkpartfr mbikdmftfikbtk fo Aemcmfo dk Cuipomimkbta ofs cabductfs u apkrfcmabks quk sk ahs ahskrv krvkb kb a dkt dktkct kctkb kb cai caia a fba fbarif rifoks oks a Mbu Mbusuf sufoks oks dk caofha caofharfd rfdark arks, s, pravkkdarks, cabtrfpfrtks< a sacmas caikrcmfoks.



Ba rkfomzfr fccmabks quk pukdfb mbeoumr, k`krckr cakrcmób, ifbmpuofr a kbgföfr f cufoqumkr pravkkdar, cabtrfpfrtk a sacmas caikrcmfoks.



Ba saha saharbf rbfrr a dk`f dk`frs rsk k saha saharb rbfr fr cab cab dæ dædm dmvf vfss u at atrf rf if ifbk bkrf rf pf pfrf rf fo fotk tkrf rfrr a fpfrkbtfr ubf vkrdfd.



Ba kxmgmr f oas pravkkdarks fogubf ‟cabtrfprkstfcmób’ pfrf hkbkemcmfroa cab of cabtrftfcmób dk ub skrvmcma a caiprf dk hmkbks.



Ba utmomzfr ofs dabfcmabks pfrf kbcuhrmr pfgas mbdkhmdas.



Zrkstfr kspkcmfo ftkbcmób f fqukooas supukstas kb oas quk kxmstfb mbdmcmas dk efotf

 

dk mbtkgrmdfd dk ofs pkrsabfs a kbtmdfdks cab ofs quk sk rkfomzfb bkgacmas, pfrf fskgur fsk gurfr fr quk Cai Caipfr pfrtfi tfias as Emb Embfbc fbcmkr mkrf f kst kstfho fhokzc kzcf f rkofcm rkofcmabk abkss caikrc caikrcmfo mfoks ks ðbmcfikbtk cab pkrsabfs y kbtmdfdks cab ubf fdkcufdf rkputfcmób y saovkbcmf iarfo. Xkcukrdf quk, cab kstfs fctmvmdfdks, tadas bas pratkgkias dk vkrbas mbvaoucrfdas kb of pfrtmcmpfcmób dk fctmvmdfdks moécmtfs a mokgfoks.

C. Atras. Fpaya f of Caiubmdfd Xkspabsfh Xkspabsfhmomdfd momdfd Sacmfo (Zraykctas) CMHKXF[OF0 Sk trftf dk ub praykcta dk Xkeukrza Kscaofr kb ko quk oas vaoubtfrmas skifbfoikbtk pofbmemcfb y efcmomtfb sksmabks kducftmvfs vmrtufoks pfrf kstudmfbtks dk

hf`as rkcursas dk ; caokgmas pðhomcas dk Omif y Frkqumpf. Ko ah`ktmva dk CmhkrFuof ks trfbsekrmr cabacmimkbtas y caipokikbtfr ko trfhf`a dk oas dackbtks cab oas kstudmfbtks dk oas trks bmvkoks0 mbmcmfo, prmifrmf y skcubdfrmf. @ubtas par oas Suköas0 ‟@ubtas par oas Suköas’ ks ko prmikr eabda cabcursfhok kb Caipfr Cai pfrtfi tfias, as, quk hus huscf cf gkb gkbkrf krfrr apa apartu rtubmd bmdfdk fdkss y sao saoucm ucmabk abkss pfr pfrf f ofs pkr pkrsab sabfs fs kb smtu smtufc fcmó mób b dk vuob vuobkr krfh fhmomomd mdfd fd kb ko Zk Zkrð rð kspk kspkcm cmfo foik ikbt btk k kb da dass tk tkif ifs0 s0 kduc kducfc fcmó mób b y rkfctmvfcmób kcabóimcf. Surgk caia rkspukstf f ofs prahokiætmcfs sacmfoks fgrfvfdfs par of pfbdkimf, cab ko emb dk quk oas kqumpas vaoubtfrmas sk trfbsearikb kb oédkrks fgkbtks dk cfihma y kbeaqukb sus cabacmimkbtas y nfhmomdfdks kb mbmcmftmvfs mbbavfdarfs y dk fota mipfcta kb efvar dk of caiubmdfd.

Fhrfzfbda cab Hukbfs Fccmabks0 Erkbtk f of smtufcmób fctufo, kb Caipfrtfias vkias quk of hfrrkrf eésmcf ba oagrf omimtfrbas cufbda qukrkias nfckr hukbfs fccmabks pfrf fyudfr f oas grupas cab ifyarks bkcksmdfdks. Nkias fprkbdmda quk padkias skr  saomdfrmas, fpayfrbas iutufikbtk y fhrfzfrbas smb tkbkr cabtfcta eésmca. Mbcousa, nkias dksfrraoofda bukstrf crkftmvmdfd pfrf dkiastrfr bukstrf gkbumbf prkacupfcmób par oas dkiæs. 

Dabf Da bfcm cmób ób kcab kcabói óimc mcf f nf nfcm cmf f fogu fogubf bf mb mbst stmtmtuc ucmó mób b sa sacm cmfo fo,, AB ABG, G, mg mgok oksm smf, f, fsacmfcmób fsacm fcmób a iavmi iavmimkbta mkbta sacmfo quk hrmbd hrmbdk k fyudf f pkrsa pkrsabfs bfs kb smtuf smtufcmób cmób dk rmksga.



Hrmbdfr sapartk y armkbtfcmób0 Fpaya hrmbdfda kb hfsk f of kxpkrmkbcmf y caba cabacm cmim imkb kbta tass pfrf pfrf of ik ik`a `arf rf kb of cf cfomomdf dfd d dk vmdf vmdf dk pk pkrs rsab abfs fs

 

bkcksmtfdfs. Zar k`kipoa0 dfr cofsks dk kducfcmób embfbcmkrf hæsmcf f vkcmbas dk of caiubmdfd. 

Dabfr praductas dk prmikrf bkcksmdfd (praductas dk fomikbtfcmób hæsmcf, nmgmkbk pkrsabfo, praductas iídmcas y frtécuoas dk omipmkzf pfrf pkrsabfs kb smtufcmób vuobkrfhok). Kofharfcmób y dabfcmób dk cfrktfs.



Zr Zrai aiac acmó mób b dk mbmc mbmcmf mftmtmvf vfss sacm sacmfo foks ks00 Mb Mbva vaou oucr crfi fimk mkbt bta a kb cf cfus usfs fs dk of sacmkdfd cmvmo, y/a dk ABGs y cab sus praykctas.



Oas caofharfdarks dmkrab oa ik`ar dk sé pfrf quk ofs mbmcmftmvfs oagrkb ik`arks rksuotfdas. Fyudf f fbmifoks smb nagfr cab fguf y fomikbta.





 Fpaya f vkcmbas bkcksmtfdas. Dabfcmób dk fogubf caimdf dko déf.

Caokctf Iavmimkbta Fiar kb Fccmób0 surgk cab ko emb dk cabtmbufr cab ko okgfda dk fiar y skrvmcma dk Sfbtf Tkrksf dk Cfocutf. Fsé, hf`a of iadfomdfd dk dkscukbta par  pofbmoof y ikdmfbtk ub eariuofrma vmrtufo, oas caofharfdarks vaoubtfrmfikbtk tuvmkrab of pasmhmomdfd dk suifrsk f kstf cfusf. Cab of cabtrmhucmób dk oas caofharfdarks dabfbtks, hrmbdfias lmts dk prmikrf bkcksmdfd f grupas sacmfoks kb smtufcmób dk rmksga uhmcfda kb Ifbcnfy (Omif), f trfvís dk of ABG @uguktk Zkbdmkbtk. Zfrf of kbtrkgf dko fpaya, sk prm prmarm armzó zó of ftk ftkbcm bcmób ób f gru grupas pas vuo vuobkr bkrfho fhoks0 ks0 fdu fduota otass ifyark ifyarks, s, iu`krk iu`krkss kih kihfrf frfzfd zfdfs, fs, efimomfs cab bmöas, pkrsabfs cab fogubf dmscfpfcmdfd, ktc.

Zraykcta dk Xkeukrza Kscaofr (fomfbzf cab ABG Lfbtfyf)0 Caipfrtfias ookvó f cfha ub praykcta dk rkeukrza kscaofr dk of ifba cab of ABG Lfbtfyf. Kstk rkeukrza kscaofr sk hrmbdf eukrf dko narfrma dk cofsks f oas kstudmfbtks dk of zabf dk Ukbtfbmoof y Zfcnfcðtkc, zabfs zab fs dab dabdk dk kst kstfia fiass prks prkskbt kbtks ks cab buk bukstr strfs fs fgk fgkbcm bcmfs. fs. Ko ah` ah`ktm ktmva va fqué fqué ks crk crkfr  fr  kspfcmas dk fprkbdmzf`ks k mbspmrfcmób pfrf bmöas ébtkgras y ekomcks, y cab ko praykcta huscfias kxtkbdkr kstf pasmhmomdfd tfihmíb pfrf oas nm`as dk bukstras comkbtks.

ZFXTK MMM0 SMBTKSMS DK ZXAHOKIFS F XKSAOUKX KB OF AXGFBMPFCMÓB Caia Cai a rksu rksuotf otfda da dko Dm Dmfgb fgbóst óstmca mca ke kekct kctufd ufda, a, ko gru grupa pa kof kofharf harfræ ræ ubf

Zra Zrapuk pukstf stf dk

Saoucmób f oas prahokifs kbcabtrfdas kb of Argfbmzfcmób. [ba dk oas grfbdks prahokifs ks ko Smstkif Apkrftmva, quk déf f défs oas caofharfdarks tmkbkb cabstfbtks mbtkrrupcmabks y bas oks pkrimtk rkfomzfr sus apkrfcmabks dk ifbkrf kekctmvf f rféz dk ksta vmkbk of dmscabearimdfd a ub ifokstfr par pfrtk dko comkbtk mbtkrba y kxtkrba. Caia saoucmób ks mbbavfr ub bukva smstkif iæs saemstmcfda dabdk mbcouyf tadas

 

oas oas prac pracks ksas as dk apkr apkrft ftmv mvmd mdfd fd dk dkoo bk bkga gacm cma a dk if ifbk bkrf rf ke kemc mcmk mkbt btk k y ke kemc mcfz fz pfrf pfrf su cuipomimkbta fdkcufda. Atra dk oas prahokifs ks ko mbcrkikbta dk ofs rkcofifcmabks kb of embfbcmkrf ksta euk acfsmabfda f rféz dk of pfbdkimf par oas crídmtas rkpragrfifdas, rkembfbcmfdas dabdk sk fuikbtó fuikbt ó ko bðikr bðikra a dk ofs cuatfs a fuikbtó of cuat cuatf f f pfgfr dk fcukrda fo crabagrfif crabagrfif armgmbfo. Caia saoucmób, of kbtmdfd dkhk skr iæs eokxmhoks fo iaikbta quk ub comkbtk saomcmtk ubf rkpragrfifcmób k mbearifrok carrkctfikbtk kb oa quk casmstk oas tírimbas y cabdmcmabks.

CABCO[SMABKS0 

Caipfrtfias Embfbcmkrf ks ubf kiprksf pkrufbf dk skrvmcmas embfbcmkras, quk nf oagrfda ubf ræpmdf kxpfbsmób gkagræemcf y kstæ dmrmgmda f oas imcra y pkquköas

kiprksfrmas mbearifoks kb of cufo fyudf fo crkcmimkbta k mipuosfr suköas dk iucnfs pkrsabfs. 

Ks ubf kbtmdfd quk trfhf`f iuy dmekrkbtk f ofs dkiæs embfbcmkrfs yf quk sus crídmtas kb su ifyaréf sk dfb dk ifbkrf grupfo, of cufo ks ubf kstrftkgmf pfrf nfckr ko pfga pubtufo dk tada ko grupa yf quk sm ubf comkbtk ba tmkbk pfrf su cuatf ofs dkiæs sacmfs dmvmdkb ko iabta rkstfbtk kbtrk kstfs y cfdf ubf df ub fpartk saomdfrma cab of embfomdfd quk sk pukdf nfckr ko pfga kb ekcnf.



Caipfrtfias Embfbcmkrf tmkbk caia ckbtra f of pkrsabf quk ks iuy mipartfbtk kb tadf argfbmzfcmób pfrf ko oagra dk oas ah`ktmvas argfbmzfcmabfoks.



Zfrf caipfrtfias Embfbcmkrf uba dk sus caipktmdarks dmrkctas ks of Caapkrftmvf Sfbtf Msfhko, quk hrmbdf cfsm oas imsias praductas.

KUFO[FCMØB DK OF AXGFBMPF AXGFBMPFCMÓB CMÓB KUFO[FCMÓB DK OF IMSMÓB DKHK SKX

EAXTFOKP

DKHMOMDF

F

D

ZKSA

COFSME .

ZABDKXFDA

Cabcmsf

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:.8; :.

3

:.7;

Smipok, Cofrf, Dmrkctf

^

 

:.8; :.

3

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Kxprksfdf

^

 

:.6 :.

3

:.3

:.3

4

6.8

:.6

3

:.3

   

prkekrmhokikbtk kb erfsks kbcfhkzfdfs par vkrhas ftrfctmvas  Ftkbdkr rkqukrmimkbtas dk oas prmbcmpfoks grupas

^

cabstructmvas

 

Armkbtfda fo mbtkrmar dk of argfbmzfcmób pkra rkcabacmkbda fo kxtkrba Tatfo

^  

6.::

3.3:

Imsmób cab dkhmomdfdks

 

Imsmób cab eartfokzfs

6.:

8.;

3.3:

4.::

Caia cabcousmób ookgfias quk Caipfrtfias Embfbcmkrf tmkbk ubf imsmób cab eartfokzfs ko cufo sk ok nf dfda ub pubtf`k dk 3.3:, ksta qumkrk dkcmr quk kstæ hmkb eariuofdf dk fcukrda f oas crmtkrmas kvfoufdas.

KUFO[FCMÓB DK OF UMSMÓB DKHK SKX Dkscrmptmvf dko eutura dk of Argfbmzfcmób

EAXTFOKP

DKHMOMDF

F

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COFSME ZKSA .

 

ZABDKXFDA

:.3

3

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Caiubmcfdf

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:.6; :.

3

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Ikiarfhok

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:.8 :.

3

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Mbspmrfhok

 

:.:;

6

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Xktfdarf

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3

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 Ftrfctmvf pfrf oas mbvaoucrfdas

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Tatfo

6.::

 

Umsmób cab eartfokzfs

Umsmób cab dkhmomdfdks

6.::

8.=:

8.;

8.=

4.::

Caia cabcousmób ookgfias quk Caipfrtfias Embfbcmkrf tmkbk ubf vmsmób cab eartfokzfs

ko cufo sk ok nf dfda ub pubtf`k dk 8.=:, ksta qumkrk dkcmr quk kstæ hmkb eariuofdf dk fcukrda f oas crmtkrmas kvfoufdas, pkra sm dkhk skr iæs mbspmrfdarf.

FBK^AS

 

Kbtrkvmstf f gkrkbtk dk Caipfrtfias Embfbcmkrf.

Kbcukstf rkfomzfdf f Gkrkbtk sahrk omdkrfzga.

 

Ombl dk fudma dk kbtrkvmstf0 nttps0//drmvk.gaagok.cai/emok/d/6i gok.cai/emok/d/6iP8V=GI7H`sx@]iA P8V=GI7H`sx@]iAItkUbTfk4@I[=-kA/vmkw1 ItkUbTfk4@I[=-kA/vmkw1 nttps0//drmvk.gaa usp9snfrmbg

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nttps0//www.grkftpofcktawarl.cai.pk/caipfrtfias-embfbcmkrf emok0///C0/[skrs/oQpmurf:6/Dawboafds/ZDEQXMKSGAQAZKXFCMABFO.pde 

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